Otaku Engineer in Great Tang Dynasty Chapter 1444: Two hard-working brothers, Cheng Chumo overturned!

"Shanchang, nowadays Confucianism is in power, it is really difficult for the students of engineering to get ahead, but I am willing to help my husband!"

In the Yanhuang Bank, after listening to Li Zexuan's words, Li Ke was silent for a long time and spoke.

"Oh? Xiaoke, how are you going to help me?"

Li Zexuan asked with a smile on his face.

Li Ke pursed his lips and said: "In a few years, Ke will go to Shu to take up his post. Bashu has been isolated from the Central Plains for many years, and the conditions are very backward. It is in need of massive construction to improve the living environment of the people. At that time, if there are students in the academy who are willing to go to the government of Shu, they will be happy to accept it! I believe that with the ability of our students in the academy, there is absolutely no problem in benefiting the people~!"

Li Zexuan glanced at Li Ke and smiled: "Ha ha! Xiao Ke, you saw that Ke Shiqing's good deeds of benefiting the people's livelihood in Shu have made a fortune, so I also want to recruit more college students to Bashu to help you Govern the fief?"

Don't look at Li Ke's high-sounding words, as if to help Li Zexuan share his worries, but in fact, Li Ke's move is to grab talent from Li Zexuan!

But even if Li Zexuan knew Li Ke’s true intentions in his heart, he didn’t mean to be angry, because in the future where the students of the academy would go to develop, this is the freedom of others, and he can’t control it at all. If Li Ke is able to control these When talents are attracted to Shu, it can only be said that the personality is very attractive, Li Zexuan will not be angry about it!

Being broken by Li Zexuan's thoughts, Li Ke was a little embarrassed on his face. He coughed and said, "Ahem! Nothing can be hidden from Shan Chang's eyes! In fact, what he thinks is that the Central Plains is more influenced by Confucian culture. Deep, even with outstanding achievements in engineering, it is difficult to compete with Confucianism that has been passed down for hundreds of thousands of years.

The land of Bashu is not painful. It has been isolated from the Central Plains since the Qin and Han dynasties, and it is relatively less influenced by Confucianism. As long as Ke can bring the students of the academy to make Shu land a prosperous place there, engineering Then I can stand firm there, and maybe I will open a school similar to Yanhuang Academy there. I hope you can agree with Shan Chang! "

Li Zexuan couldn't help but smile and said: "Xiao Ke, you are helping to learn about engineering. Why do you disagree as a teacher~?"

After a pause, he went on to say: "As you said, engineering in the current Datang will indeed encounter a lot of resistance, but I think these resistances are not a problem. When more and more people realize that engineering can change After the world, they will slowly accept engineering. Of course, if you want to develop engineering in Shu, it may not be a feasible way. This is also more blooming!"

Li Ke handed his hand: "Mr. is right! Then Ke will work with him in the future!"

In the past, Li Ke was repulsive to the Shu area. After all, he lived in Chang'an City when he was a child. If he was asked to go to the Shu area thousands of miles away, he would inevitably develop some resistance in his heart.

However, after just having a conversation with Li Zexuan, Li Ke even faintly hoped that he would arrive in Shu as soon as possible, because leaving Chang'an means that the fish will enter the sea. Then he can be like his idol Li Zexuan. Vigorously develop engineering in your own fief to benefit the people of one party!

He is looking forward to the land of Bashu becoming a real paradise on earth under his transformation!

Li Zexuan nodded. Just about to get up and leave, he suddenly remembered something, and said to Li Ke: "Xiao Ke, I just saw that the account book says that Yanhuang Bank’s monthly income is more than 30,000 yuan. ?"

When Li Zexuan asked about this suddenly, Li Ke was a little unclear, so he paused for a moment, nodded and replied:

"It's true! In recent months, the number of merchants in Lantian County has increased sharply, and countless shops have sprung up in the city. Those merchants will inevitably encounter financial constraints when building shops and purchasing goods. More and more people come to Yanhuang Bank to borrow money, and the more money we get! But if this is a bank in other places, it may not be able to make so much money!

But it’s not necessarily a good thing that more people borrow money! After all, the money in our bank is limited. Every month, there will be a shortage of money in the bank. Many businessmen who want to borrow money cannot borrow, so they can only borrow money from those large households who specialize in putting money to earn interest. Moreover, the number of Tang Yuan issued is closely related to the total wealth currently owned by Datang. It is impossible for us to rashly print more Tang Yuan, so we can only watch some merchants being exploited by those big ones. ! "

Li Zexuan knew that what Li Ke was talking about was the truth. After all, in Datang today, Chang'an City and Lantian County are the only places with the most prosperous business, but the only places with the fastest growth in business scale are Lantian County!

The expansion of business requires a lot of working capital, and the bank is a place that provides working capital for business people!

At present, the capital in the bank is mainly based on the investment of the shareholders of the bank in the early period and the operating profit of the bank in the later period. The profit source of the bank is based on the handling fee when the people exchange copper coins for Tang yuan, and the second is Rely on giving money to merchants to make profits!

After a moment of silence, Li Zexuan said: "Xiao Ke, you must know how to be flexible when dealing with people. Since the bank will encounter a money shortage at the end of each month, then we will find a way to absorb more funds!"

Li Ke frowned and asked: "Shanchang, where should we go to find the source of funds?"

Li Zexuan smiled slightly and said: "Of course it's the folks! Before, Xiaoke, you could think of lending to merchants to generate income for the bank, but now you can't think of using small profits to attract the people to save the remaining money in the bank?

You can post a notice to inform the people of Lantian County that as long as the copper money in your home is deposited in Yanhuang Bank, we will not only not ask them to collect the copper money for the Tang Yuan handling fee, but also give them a certain amount of interest. This interest includes current interest and fixed interest. The current deposit does not stipulate the deposit period. If the people want to use the money, they can get it at the bank at any time, and the fixed period cannot withdraw the money before the agreed period!

So, correspondingly, the regular interest rate is higher than the current interest rate. People who have surplus money in their homes can deposit the surplus money in Yanhuang Bank. This will not only ensure the safety of their property, but also earn extra interest money. I think it should There will be many people willing to come to the bank to save money~! "

Li Ke widened his eyes when he heard the words and his face was incredible. At this moment, his head was stunned. After a while, Li Ke finally recovered. He swallowed and asked:

"Shanchang, if this notice is really issued, I can guarantee that the threshold of our bank will be crossed by the crowds! Are you sure that we will not lose money like this? ?"

Losing money? If those who open a bank lose money, there will be no money-making business in this world!

Li Zexuan muttered to himself in his heart, and then smiled and said, "It depends on Xiaoke's method of whether you lose money or not! I just introduced you a way to solve the problem, and in this method, There is a lot of room for maneuver, such as deposit interest rate!

When the bank is short of money, you can slightly increase the interest rate to increase the enthusiasm of the people to save money. When the bank is not so short of money, you can appropriately lower the interest rate and reduce the bank’s ability to absorb deposits. cost!

There is a degree in between. You need to consider and balance various factors together! As for your worry that the bank will lose money, this worry is completely unnecessary, because the interest rate of the bank will always be higher than the interest rate of the deposit!

In addition, this money can only create more value if it flows! If everyone bury the money in their own homes, then the consistent money can always be the consistent money, but if the money is stored in the bank, and the bank uses the money to expand the business scale, the consistent money will easily become two. Run money, even more!

So I told you earlier that the knowledge in this bank is huge! Using money to produce more money is the fundamental goal of the existence of the bank! "

Li Ke carefully pondered Li Zexuan's words in his heart for a while, and couldn't help but sigh convincingly: "Listening to the words of the mountain leader is better than reading ten years. The knowledge contained in this economic way is truly mysterious! Thank you! Today's teachings of the head of the mountain!"

Li Zexuan waved his hand and said, "Actually, Xiaoke, you have done a good job! Looking back when everything is stable here, I hope you can return to the headquarters of the Yanhuang Bank of Chang'an City to take on more responsibilities. Let's The Yanhuang Bank of China is considered to be under the name of the Ministry of Households, but most of the officials of the Ministry of Households are outdated and expect them to be in charge of the bank. I am afraid that the bank will not be able to operate in half a year! So it is the important task of carrying forward the bank. It must fall on you!"

There was nothing wrong with these words, but Li Ke always felt that it sounded a little weird. After a moment of silence, he frowned and asked, "Shanchang, what about you? Are you going to leave the money house alone? "

At this moment, he finally realized that something was wrong. That is, Li Zexuan said too much today. He just wanted to instill all the knowledge in his mind into him. Li Ke suddenly had a bad feeling in his heart. , The whole person suddenly became tense!

Li Zexuan was silent for a while, and sighed: "There are more important things to do as a teacher! But if the bank encounters any problems in the future, you can still come to me, Xiao Ke!"

Li Ke didn’t ask Li Zexuan what was more important, because he understood that if Li Zexuan wanted to say, he would just tell him directly. Since he didn’t say it, it proved that Li Zexuan didn’t want to say it, and Li Ke would naturally not force it. !

"Haha! Stop talking about this!"

Seeing that the atmosphere was a little stagnant, Li Zexuan laughed, broke the silence, and said: "The reform measures for the bank that I told you before must be tested in Lantian County because the demand for money is large enough. In addition, the bank can not only lend money to merchants, but also lend money to the people!

Now that the people in Lantian County have a good life, some savvy people will want to make a living. The bank can lower the interest rate a little bit, lend them some money, and let them create more wealth! "

Li Ke wondered: "Businessmen can borrow money from shops as collateral, but what can people borrow as collateral?"

Li Zexuan thought for a while and said: "You can get the land deed! But when the loan amount is small, you don't need to mortgage it! They are all folks from the same county, even if they want to take the money to go far away, they can't go far. Far!"

Most people in ancient times are more honest, small peasants have more serious thinking and conservative thinking. They don’t like to owe money to others. If they owe money, they will pay it back as soon as they have money. If you delay for a day, they will feel Sleeping and eating!

So Li Zexuan is not so worried that the people who borrowed the money will fall back on their accounts afterwards!

Li Ke nodded and said: "What the chieftain said is reasonable! If the people of Lantian County need it, the bank will definitely lend them money!"

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After coming out of the bank, Li Zexuan went straight home. It was too early, and it was time to go home for dinner. Secondly, he was going to the Xuanjia Army Camp in a while. Before I go, I have to spend my life with my family anyway!

He went home comfortably to be with his family, but some people felt uncomfortable. One was Li Tai and the other was Cheng Chumo!

At about noon, Li Tai came to the workshop to find Mo Lingwei to learn technology. Mo Lingwei used the "crawling" teaching method to instill all the principles of the workshop's latest products, such as DC motors, batteries, and diodes. To Li Tai.

Li Tai was busy wandering around the workshops in the workshop, just to thoroughly understand the content that Mo Lingwei explained to her, and this work went straight to the evening!

Poor King Wei, who actually had to work overtime in the workshop at night, if this is said, no one will believe it!

Now he and Li Ke are completely difficult brothers and sisters, one is fighting hard in the bank, and the other is working hard in the workshop to study new technologies!

Although it's been a little hard work, these two brothers are very happy!

"Hey! This electric bicycle is really exciting to ride! It's much faster than riding a horse! No, no! I can't give it back to Xiaoxuan so quickly~IndoMTL.com~You have to ride for two more days!"

In the evening, Cheng Chumo rode a bicycle borrowed from Li Zexuan, like a windy year, attracting the attention of all passers-by, this guy couldn't help muttering to himself.

"Nest...Nest grass! Good...so majestic!"

At this moment, Cheng Chumo saw a woman on the opposite side riding a bicycle. Of course, this is not the key. The key is that the woman is particularly spectacular somewhere. With the bumps of the bicycle on the road, Cheng Chumo's eyes are straight. Up!

"Bang~!"

As the saying goes, happiness leads to sorrow, all happiness is destined to pay a price, this is not, Cheng Chumo patronizes to see beautiful women, but forgot to look at the road, with a "bang", people and cars hit the roadside On the telephone pole not long after it was erected!

"Oh~~! Help...Help!"

Soon, Cheng Chumo's painful howl came from under the telephone pole. That sound was so terrible!

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